Total Assets
$128M
Total balance-sheet footings
FDIC Cert #855 · Eutaw, Alabama · Est. 1900
Merchants & Farmers Bank of Greene County, Alabama - FDIC Bank Health Profile
A community-scale look at Merchants & Farmers Bank of Greene County, Alabama's own numbers, pulled straight from its quarterly FDIC Call Report.
- $128M
- Total assets
- B
- Health grade · Good
- 1.07%
- Return on assets
- 12.3%
- Tier 1 capital
Data updated July 2026
The verdict
Merchants & Farmers Bank of Greene County, Alabama earns a PlainBankData health grade of B (73/100), with well-capitalized at 12.27% Tier 1, profitable at 1.07% ROA, 67% efficiency ratio.
- #3,526
- largest of 4,313 FDIC banks by assets
- 18th
- percentile by asset size, nationally
- 12.27%
- Tier 1 ratio - above the 10% well-capitalized line
- 48th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Merchants & Farmers Bank of Greene County, Alabama's 73/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Merchants & Farmers Bank of Greene County, Alabama's composite health score
Tier 1 Capital Ratio (12.27%) 35/40
Return on Assets (ROA) (1.07%) 20/25
Texas Ratio (18.53%) 10/20
Efficiency Ratio (67.21%) 8/15
73 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$113M
Customer-funded liabilities
Net Loans
$76M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Merchants & Farmers Bank of Greene County, Alabama ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Merchants & Farmers Bank of Greene County, Alabama's score of 73/100 falls in the highlighted band.
Merchants & Farmers Bank of Greene County, Alabama's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Merchants & Farmers Bank of Greene County, Alabama's $128M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.27% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.27%
Texas Ratio
18.53%
Equity Capital
$14M
Profitability metrics
Return on Assets (ROA)
48th percentile nationally
1.07%
Return on Equity (ROE)
10.20%
Efficiency Ratio
67.21%
What the numbers say about Merchants & Farmers Bank of Greene County, Alabama
Merchants & Farmers Bank of Greene County, Alabama is an FDIC-insured institution (Certificate #855) headquartered in Eutaw, Alabama, established in 1900. It holds $128M in total assets - 3,526th of 4,313 FDIC-insured banks, $113M in customer deposits, and $76M in net loans. Its capital position: a Tier 1 ratio of 12.27%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 18.53% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (73 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Merchants & Farmers Bank of Greene County, Alabama is a community-scale institution -- 77th of 94 FDIC-insured banks headquartered in Alabama by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$7M
Interest Income
$699K
Non-Interest Income
$4M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Merchants & Farmers Bank of Greene County, Alabama reports a Texas Ratio of 18.53% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
18.53% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Alabama by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Merchants & Farmers Bank of Greene County, Alabama (FDIC Cert #855) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Alabama
All Alabama banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Regions BankBirmingham | $157.4B | A | 1.43% |
| ServisFirst BankBirmingham | $17.7B | A | 1.58% |
| River Bank & TrustPrattville | $3.8B | A | 1.18% |
| Bank IndependentSheffield | $3.0B | B | 1.01% |
| Bryant BankTuscaloosa | $2.9B | A | 1.69% |
| CB&S Bank, Inc.Russellville | $2.9B | C | 0.85% |
| Oakworth Capital BankBirmingham | $2.0B | B | 1.17% |
| Troy Bank & Trust CompanyTroy | $1.6B | A | 1.34% |
Frequently asked questions
What is Merchants & Farmers Bank of Greene County, Alabama's health grade?▼
Merchants & Farmers Bank of Greene County, Alabama receives a health grade of B (73/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Merchants & Farmers Bank of Greene County, Alabama?▼
Merchants & Farmers Bank of Greene County, Alabama holds $128M in total assets and $113M in deposits, ranking 3,526th of 4,313 FDIC-insured banks by asset size. It is headquartered in Eutaw, Alabama.
Is my money safe at Merchants & Farmers Bank of Greene County, Alabama?▼
Yes, deposits at Merchants & Farmers Bank of Greene County, Alabama (Certificate #855) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Merchants & Farmers Bank of Greene County, Alabama's Tier 1 Capital Ratio?▼
Merchants & Farmers Bank of Greene County, Alabama has a Tier 1 Capital Ratio of 12.27%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Merchants & Farmers Bank of Greene County, Alabama?▼
Merchants & Farmers Bank of Greene County, Alabama has a Texas Ratio of 18.53%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Merchants & Farmers Bank of Greene County, Alabama?▼
Merchants & Farmers Bank of Greene County, Alabama has an Efficiency Ratio of 67.21%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Merchants & Farmers Bank of Greene County, Alabama's profile as a depositor or analyst.
- Merchants & Farmers Bank of Greene County, Alabama's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Merchants & Farmers Bank of Greene County, Alabama against other Alabama banks before moving funds. Alabama banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.